Public Tools

Free FIRE calculators and planning tools

Four free calculators for the decisions that actually change a FIRE plan — whether your current assets support retirement spending, when you can stop contributing and let compounding finish the job, how a two-person household with different retirement dates gets there, and how much you can convert or realize in a bridge year without crossing a tax or subsidy threshold. Each one runs entirely in your browser, with no login and nothing stored.

Can I FIRE Yet? Calculator

Counts only the assets that can actually fund withdrawals — invested balances, spendable cash, and the share of property equity you plan to redeploy — then simulates a cash bridge to the year your portfolio takes over.

Use it when your net worth is concentrated in a house or a large cash position and a plain 25x rule gives you the wrong answer.

  • What is my required portfolio at a 3.5%, 4%, or 5% withdrawal rate?
  • How many years of spending does my cash actually buy?
  • How much does redeploying home or rental equity close the gap?

Coast FIRE Calculator

Discounts your full FI number back to today at a real rate of return to find the balance that compounds into it with no further contributions, then publishes that coast number at every age up to your retirement date.

Use it when the question is whether you can stop saving — before a pay cut, a sabbatical, or a career change — rather than whether you can stop working.

  • How much do I need invested today to never contribute again?
  • Am I already coasting, and by how much?
  • What year do my contributions carry me past the coast line?

Couples FI Planner

Projects a two-person household year by year with separate ages, retirement dates, savings rates, and personal versus shared expenses, treating a pension as a reduction in the spending your portfolio must cover.

Use it when the two of you are not on the same schedule — an age gap, one partner retiring first, or a pension that starts at a specific age.

  • What year does our household portfolio fund its FI target?
  • Is either partner’s planned retirement date ahead of that year?
  • How much does a pension starting at 60 lower our number?

Roth Conversion & Capital Gains Headroom Planner for FIRE

Estimates Marketplace MAGI and your percentage of the federal poverty level, then reports how much additional Roth conversion or 0% capital gains harvesting fits under whichever ceiling binds first.

Use it in bridge years, when you buy health insurance on the ACA Marketplace and control most of your taxable income.

  • How much room is left under my chosen FPL guardrail?
  • How much can I convert before the next ordinary bracket?
  • How much long-term gain can I still realize at 0% federally?

Which tool should I start with?

Start with the Can I FIRE Yet? Calculator if the open question is whether you have enough. It produces the required portfolio, the gap to it, and the year the projection crosses your target.

Reach for the Coast FIRE Calculator if the question is about saving rather than retiring. It is the one to run before taking a pay cut, a sabbatical, or a job you would rather do, because it separates the balance that has to be there today from the contributions that only move the date.

Move to the Couples FI Planner if two people are involved. Pooling both partners into one set of numbers hides the two things that usually decide a household plan: contributions stopping at different dates, and fixed income arriving at a specific age.

Use the Roth Conversion & Capital Gains Headroom Planner once the date is set and the question becomes how to fill each bridge year. It is the only one of the three that models federal tax and ACA subsidy thresholds.

Background reading lives on the Stoke blog, including The FIRE Movement Explained and The Coast FIRE Catalyst.